Due to the different regulations on overdue loans for each platform, it is not the same. In the credit report, if it is overdue for 1-30 days, it is marked as "1", 31-60 days is marked as "2", 61-90 days is marked as "3".
The more days, the more serious. When the personal credit reference mark is "3", it is basically listed in the online loan blacklist by the bank, or called "Lao Lai". At this time, the situation is particularly serious. The use of basic credit cards will be restricted, and many bank businesses are difficult to handle.
Generally speaking, if the borrower is overdue for "three consecutive months, six times in total", he will be regarded as a problem customer by the bank. If customers are frequently overdue, and each overdue does not exceed the grace period, the bank will upload it to the credit information system according to the situation, and then the bank will measure whether the customers are maliciously overdue according to its own evaluation criteria.
Extended information:
The consequences of online loan overdue: credit will be damaged, be included in the "blacklist" system, affect personal credit; fine interest and liquidated damages, high interest and corresponding liquidated damages; bear the platform fancy collection, overdue for a long time, the platform is no longer persuasive, began to carry out practical action; the event of borrowing money not to return belongs to civil disputes, serious circumstances will be in prison.
For more serious overdue online loans, once a record is left, it may be kept for five years. If the circumstances are particularly serious, the bad debts caused by non repayment will be kept forever in the credit report.
If the overdue payment lasts for more than 90 days, it is likely to cause a credit blacklist. If it is on the blacklist, it will affect the future purchase of a house, a car, a ticket, a plane and a hotel.
Therefore, the serious overdue online loans, or running, have a great impact on the future life.
61-90天 。
對於網貸逾期由於每家平臺的規定不同，所以對逾期的情況也是不太一樣。網貸逾期的天數不同對個人徵信的影響也是不同的，在徵信報告裡，如果是逾期1-30 天標為 "1",31-60 天為 "2"，61-90 天為 "3" 依次遞推。
天數越多越嚴重。當個人徵信標記為“3”時基本被銀行列為網貸黑名單中，或稱為“老賴”，這個時候，情節算是特別嚴重了，基本信用卡的使用都會受到限制，銀行很多業務都很難辦理。
一般來說借款人逾期達到“連續三個月，累計六次”，就會被銀行視為問題客戶。如果客戶頻繁出現逾期，且每次逾期都沒有超過寬限期，銀行就會視情況上傳到徵信系統，到時銀行就會根據自己的評判標準來衡量客戶是否惡意逾期。
擴充套件資料：
網貸逾期不還的後果:信用會受損,被列入“黑名單”體系影響個人徵信；罰利息以及違約金，高額利息以及相應的違約金；承受平臺花式催收，逾期很長時間，平臺不再好言相勸，開始展開實際行動；借錢不還這樣的事件屬於民事糾紛，情節嚴重的就會坐牢。
對於較嚴重的網貸逾期，一旦留下記錄可能會被保留5年的記錄，如果是情節特別嚴重的，未還款形成的呆賬會在信用報告上永遠保留。
而且可能是處處碰壁，如果逾期持續90天以上持續不還，很有可能會造成徵信黑名單，如果上了徵信黑名單，會影響以後買房買車，以及坐動車票，乘飛機，住酒店都會有一定的影響。
所以，網貸嚴重逾期，或者跑路對於後的生活都有很大的影響。
英語翻譯：61-90 days.
Due to the different regulations on overdue loans for each platform, it is not the same. In the credit report, if it is overdue for 1-30 days, it is marked as "1", 31-60 days is marked as "2", 61-90 days is marked as "3".
The more days, the more serious. When the personal credit reference mark is "3", it is basically listed in the online loan blacklist by the bank, or called "Lao Lai". At this time, the situation is particularly serious. The use of basic credit cards will be restricted, and many bank businesses are difficult to handle.
Generally speaking, if the borrower is overdue for "three consecutive months, six times in total", he will be regarded as a problem customer by the bank. If customers are frequently overdue, and each overdue does not exceed the grace period, the bank will upload it to the credit information system according to the situation, and then the bank will measure whether the customers are maliciously overdue according to its own evaluation criteria.
Extended information:
The consequences of online loan overdue: credit will be damaged, be included in the "blacklist" system, affect personal credit; fine interest and liquidated damages, high interest and corresponding liquidated damages; bear the platform fancy collection, overdue for a long time, the platform is no longer persuasive, began to carry out practical action; the event of borrowing money not to return belongs to civil disputes, serious circumstances will be in prison.
For more serious overdue online loans, once a record is left, it may be kept for five years. If the circumstances are particularly serious, the bad debts caused by non repayment will be kept forever in the credit report.
If the overdue payment lasts for more than 90 days, it is likely to cause a credit blacklist. If it is on the blacklist, it will affect the future purchase of a house, a car, a ticket, a plane and a hotel.
Therefore, the serious overdue online loans, or running, have a great impact on the future life.
Source: Baidu Encyclopedia online loan